Research Article
Impact of Financial Attitude and Financial Socialisation on Women’s Personal Financial Management Behaviour: Exploring the Mediating Role of Digital Financial Literacy
Kuldip Kaur*
Issue:
Volume 15, Issue 3, June 2026
Pages:
58-70
Received:
29 March 2026
Accepted:
11 April 2026
Published:
13 May 2026
Abstract: In the evolving landscape of the digital economy, both financial and digital literacy have become essential. This study investigates the mediating role of DFL in the relationship between financial attitude, financial socialisation, and personal financial management behaviour (PFMB) among working and non-working women in Punjab, India. Drawing on the Theory of Planned Behaviour, the research explores how psychological and social factors influence financial behaviour through the lens of digital competence. Using a structured questionnaire, data were collected from a representative sample of women across various districts in Punjab. The study employed Smart PLS 4.0 to examine direct and mediated relationships among the key constructs. The findings reveal that both financial attitude and financial socialisation significantly influence PFMB, and that DFL plays a partial mediating role in these relationships. Notably, working women exhibited higher levels of DFL and more proactive financial behaviours compared to their non-working counterparts. The results emphasise the importance of digital financial literacy as a critical enabler of financial empowerment for women, particularly in semi-urban and rural areas. This study contributes to the growing discourse on digital financial inclusion and offers practical implications for policymakers, educators, and financial institutions seeking to bridge gender and digital divides in financial access and decision-making.
Abstract: In the evolving landscape of the digital economy, both financial and digital literacy have become essential. This study investigates the mediating role of DFL in the relationship between financial attitude, financial socialisation, and personal financial management behaviour (PFMB) among working and non-working women in Punjab, India. Drawing on th...
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Research Article
Role of Skill Acquisition on Employment Generation in Nigeria: A Case of Industrial Training Fund
Issue:
Volume 15, Issue 3, June 2026
Pages:
71-82
Received:
15 October 2025
Accepted:
3 November 2025
Published:
29 May 2026
DOI:
10.11648/j.ijber.20261503.12
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Abstract: The acquisition of skills has been worldly recognised as a legitimate tool towards employment creation and the sustained economic development. The study examined the role of skill acquisition on employment generation in Nigeria with respect to the Industrial Training Fund (ITF). The analysis of the data was based on descriptive statistics in terms of tables and simple percentages, whereas the objective was verified at a significance level of 5% using the Generalised Linear Model (GLM). The outcome showed that the involvement in ITF programmes and relevance of skills were significant in terms of employment creation that were positively and statistically relevant with coefficient of 0.3641 and 0.1445 respectively, whilst technical proficiency, soft skills, and industry alignment were significantly not relevant with coefficient of 0.131, -0.1655 and 0.580 respectively. The research falls to the conclusion that formal attendance at skills acquisition schemes like the ones adopted by the ITF, has a significant positive impact on the employment opportunities, creation of entrepreneurial possibilities, and income generation of the beneficiaries. Nevertheless, bottlenecks of poor facilities, little connections with the private sector, and poor alignment of industries still hinder the best results. The research thus suggests that the government and other stakeholders ought to enhance the institutional capacity of the ITF by providing sufficient funds, frequent review of the curriculum and the close working relations with industries. Moreover, after the training programmes like business start-up grants, mentorship programmes, and access to microfinance programmes are to be institutionalised to translate the learnt skills into long-term self-employment and inclusive national development.
Abstract: The acquisition of skills has been worldly recognised as a legitimate tool towards employment creation and the sustained economic development. The study examined the role of skill acquisition on employment generation in Nigeria with respect to the Industrial Training Fund (ITF). The analysis of the data was based on descriptive statistics in terms ...
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